Speed. Service. Satisfaction. That's the Fairway way. At Fairway, customer
service is a way of life. It’s our job to take care of you better than
anyone else. Whether your clients are buying their first home, moving
across town, or refinancing, Fairway Independent Mortgage Corporation is
here to help. We offer mortgage choices that can help make home ownership
more affordable with the speed and service they deserve. We keep the
process as simple as possible by: Offering application options—in person,
over the phone, or online Presenting loans that meet your clients’
financial needs and goals Helping your clients make informed decisions by
educating them about their best loan options Providing personal
service—guiding your clients through the loan process from application to
closing and beyond You can trust Fairway to provide your clients with
everything they need for a simple, rewarding home loan experience.

Contact Kari Abt
at (303) 489-1205 to get pre-approved for a loan.
There is absolutely no charge or obligation and is a vital
first step in preparing to purchase a property.

Mortgage Loan
Programs

Loan Program

Features

Recommended
For

FHA Loan

Low down payment
requirements

Flexible income, debt, and
credit requirements

Down payment and closing
costs may be funded by a gift or grant

First-time and repeat
homebuyers

Homebuyers with limited
funds for down payment

Homebuyers with less than
perfect credit

Homebuyers who need a
non-occupant, co-borrower

Conventional Fixed Rate
Mortgage

Monthly principal and
interest (P&I) payments that stay fixed for the entire life
of the loan

Protection from rising
interest rates

Borrowers who prefer
regular payments with no surprises

People with limited or
fixed incomes

People who plan to stay in
their homes a long time

People who are refinancing
at a time when interest rates are comparatively low

VA Loan

No down payment required

Flexible income, debt, and
credit requirements

Down payment and closing
costs may be funded by a gift or grant

Eligible military service
members (may include veterans, reservists, active-duty
members)3

Eligible homebuyers with
limited funds for down payment

Eligible homebuyers with
less-than-perfect credit

Adjustable-Rate
Mortgage

Interest rate that is
fixed for an initial period, then adjusts periodically based
on market conditions

Lower initial rate than
with a fixed-rate mortgage

A variety of fixed-period
options

People looking for lower
monthly payments in the short term

People who plan to move or
refinance again within a few years

Lender-Paid
Mortgage Insurance Option

Bypasses mortgage
insurance costs when your loan-to-value ratio is more than
80%

Money that would have gone
to mortgage insurance goes instead to tax-deductible
interest payments2

Homebuyers without enough
cash for a 20% down payment

Homeowners who plan to
move or refinance within ten years

Jumbo Loans

Mortgage amounts in excess
of the conforming loan limit1 set by Fannie Mae
and Freddie Mac

Also known as
nonconforming loans

Typically carry higher
interest rates

Homeowners who need to
refinance a property with a higher appraised value and can
handle larger monthly payments

FHA Streamline
Refinance

Reduced documentation
requirements

Less processing time than
a full FHA refinance

No appraisal in some cases

Closing costs may be
financed

Current FHA
mortgage holders who want to:

Reduce monthly payments by
refinancing to a lower interest rate

Refinance as quickly and
conveniently as possible

VA Interest Rate
Reduction Refinance Loan (IRRRL)

Reduced documentation
requirements

Less processing time than
a full VA refinance

No appraisal in some cases

Closing costs may be
financed

Current VA
mortgage holders who want to:

Reduce monthly payments by
refinancing to a lower interest rate

Refinance as quickly and
conveniently as possible

Once you are pre-approved for your home mortgage loan,
call Anthony Rael at 303.520.3179 and we'll sit down to
start the exciting home-hunting process! I look forward to hearing
from you soon.